Jr Underwriter

2 weeks ago

Manila, National Capital Region, Philippines TCLS Mortgage Processing Center of America, Inc. Full time

ESSENTIAL JOB FUNCTIONS

  • Review loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc.) for accuracy and completeness.

  • Be able to interpret AUS (automated underwriting system) findings and transmittal summary

  • Knowledgeable on closing disclosures and can interpret settlement statement.

  • Make recommendations based on the overall worthiness of the borrower, layering of risk and all program requirements

  • Calculate qualifying income and determine verifiable assets for closing cost & reserves.

  • Identify quality concerns and red flags and validate accuracy of associated risk to the borrower or property/collateral profile.

  • Maintain current level of knowledge on all requirements by consistently researching and reviewing the applicable guidelines, program updates, credit overlays and changes.

  • Responsible for verifying the accuracy of the mortgage loan terms, the loan amount, and product type before sending to the closing.

  • Perform other duties as assigned.

FUNCTIONAL JOB COMPETENCIES

  • Thorough understanding of mortgage credit processing and underwriting

  • Strong credit, risk analysis and analytical skills to analyze complex mortgage documentation

  • Complete knowledge of loan documents and US Mortgage terminologies, Freddie Mac and Fannie Mae, Non QM, and FHA guidelines.

  • Proficient in navigating various LOS software (Loan Origination Software) preferred and other loan related systems

  • Responsive to time constraints

  • Ability to communicate both oral and written correspondence

EDUCATION / EXPERIENCE REQUIREMENTS

  • At least 2 years of US Mortgage underwriting experience is required

  • Graduate of a 4-year course major in a discipline related to the requirements of the position is a plus. (Will consider the equivalent combination of job experience & education that demonstrates the ability to perform the essential functions of this job.)

  • Must work effectively in a fast pace environment with low tolerance for error.

  • Able to handle a great variety of tasks and responsibilities simultaneously

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